第27部分 (第8/8页)

goal。

A　friend　of　mine　was　griping　one　day　about　how　hard　it　was　to　save　money　for　his　four　children's　college　education。　He　was　putting　300　away　in　a　mutual　fund　each　month　and　had　so　far　accumulated　about　12；000。 He　estimated　he　needed　400；000　to　get　four　children　through　college。　He　had　12　years　to　save　for　it；　since　his　oldest　child　was　then　6　years　of　age。

The　year　was　1991；　and　the　real　estate　market　in　Phoenix　was　terrible。　People　were　giving　houses　away。　I　suggested　to　my　classmate　that　he　buy　a　house　with　some　of　the　money　in　his　mutual　fund。　The　idea　intrigued　him　and　we　began　to　discuss　the　possibility。　His　primary　concern　was　that　he　did　not　have　the　credit　with　the　bank　to　buy　another　house；　since　he　was　so　over…extended。　I　assured　him　that　there　were　other　ways　to　finance　a　property　other　than　through　the　bank。

We　looked　for　a　house　for　two　weeks；　a　house　that　would　fit　all　the　criteria　we　were　looking　for。　There　were　a　lot　to　choose　from；　so　the　shopping　was　k